MetLife EverydayProtect: cash paid directly to you for broken bones, serious injuries and hospital stays. After 12 months, hospital cover extends to illness too: including pre-existing conditions. From just £11/month.
What is MetLife EverydayProtect?
EverydayProtect is a personal accident and hospitalisation plan from MetLife: one of the world's largest and most trusted insurers. If you have an accident or are admitted to hospital, it pays a cash lump sum or daily benefit directly to you, with no restrictions on how you spend it. It isn't health insurance: it works alongside your NHS care to cover the real-life costs of injury and recovery that the NHS doesn't pay for.
Why it matters
Cash, no questions asked
Spend it on bills, rent, childcare, or travel: whatever you need while you recover.
Fills the gaps the NHS can't
NHS treatment is free, but lost earnings, parking, and home adaptations are not.
Instant eligibility
No medical questions, no GP letters, no waiting period. Apply online in minutes.
Ideal if you…
✓ Are self-employed or a contractor
✓ Have limited or no sick pay
✓ Work in a physical or active role
✓ Have dependants who rely on you
✓ Want affordable financial protection
✓ Already have life or income cover
Covers illness, not just accidents
Once your policy has been held for 12 months, the hospital stay benefit also pays out if you’re admitted to hospital due to illness, including pre-existing conditions, not only accidental injury. That’s protection most personal accident plans simply don’t offer.
Step 1 of 6
Choose Your Cover
Start by selecting your protection level: you can adjust this at any time.
1
Your Cover
2
About You
3
Address
4
Employment
5
Declarations
6
Payment
7
Review
Core Cover Level
Choose between 1 and 5 units: more units means higher benefits and premiums.
Select Units of Cover
Monthly Premium
£11 / month
Accidental Death Cover
£40,000
Major Broken Bone
£1,000
Hospital Stay
£50 / 24hrs
Your full benefit schedule (including any extras you add) is shown live in the cover summary on the right.
Optional Extras
Enhance your cover with additional options: add or remove these at any time.
Child Cover
Birth to age 23, including cancer cover.
£2 / month
Active Lifestyle
Dislocations, tendon ruptures & ligament tears.
£2 / month
Your Cover Summary
Core Cover (1 unit)£11 / month
Child Cover£2 / month
Active Lifestyle Cover£2 / month
Total Monthly Premium£11
No health questions required
Cover from £11/month
Cancel any time
Step 2 of 6
About You
A few personal details to set up your policy.
Please select a title
Please enter your first name
Please enter your last name
Please select a gender
Please select your marital status
Please enter a valid date of birth
Contact Details
We'll send your policy documents and any important updates here.
Your home address as it will appear on your policy.
Please enter your address
Please enter your town or city
Please enter a valid postcode
Step 4 of 6
Employment Details
Your occupation helps us process your application correctly.
Occupation
Please provide your current occupation or job title.
Please enter your occupation
Employment Status
Select the option that best describes your current status.
Please select your employment status
Step 5 of 7
Declarations & Consent
Please read and confirm the following statements before we proceed.
Marketing Preferences
How would you like us to keep in touch?
MetLife may, from time to time, contact the applicant about other products or services offered by MetLife or carefully selected third parties which may be of benefit to you.
Duty of Disclosure
This declaration is required to proceed.
Important: Please Read Carefully
You are under a duty to take reasonable care not to make any false statements and all information you give to MetLife must be true, accurate and complete.
If information is untrue, inaccurate or incomplete, the policy cover may be void and any policy benefit payable in respect of a claim may be reduced or declined.
You must confirm this declaration to continue
By continuing, you agree to MetLife's Privacy Policy and Terms & Conditions (PDF). MetLife Europe d.a.c. is authorised and regulated by the Central Bank of Ireland and subject to regulation by the Financial Conduct Authority.
Step 6 of 7
Payment Details
Your premium will be collected monthly by Direct Debit on the date shown below.
Direct Debit: Monthly Collection
Payments are protected by the Direct Debit Guarantee. You have the right to cancel at any time and receive a full refund of any amounts taken in error.
Account Holder Details
The name on the bank account used for this Direct Debit.
Please enter the account holder name
Please select a collection day
Bank Account Details
UK bank accounts only. Your details are encrypted and secure.
Please enter a valid 6-digit sort code
Please enter a valid 8-digit account number
Please enter your bank name
The Direct Debit Guarantee
›
This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
›
If there are any changes to the amount, date or frequency of your Direct Debit, MetLife will notify you at least 10 working days in advance.
›
If an error is made in the payment of your Direct Debit by MetLife or your bank or building society, you are entitled to a full and immediate refund from your bank or building society.
›
You can cancel a Direct Debit at any time by contacting your bank or building society. Written confirmation may be required.
Step 7 of 7
Review & Submit
Please review your application details before submitting.
Personal Details
Employment & Payment
Cover Summary
Core Cover (1 unit)£11 / month
Child Cover£2 / month
Active Lifestyle Cover£2 / month
Marketing Consent-
Declaration Confirmed✓ Yes
Payment MethodDirect Debit
Collection Day-
Total Monthly Premium£11
We couldn't confirm your application was received. Please try submitting again, or contact us directly at
m.griffiths@bakerhudsonhealth.com
so we can process it manually.
✓
Application Submitted!
Thank you for applying for EverydayProtect. We've received your application and will be in touch within 1–2 business days with your policy documents.
Your Reference Number
BHH-2024-XXXXX
Check your email for confirmation
Documents sent within 48 hours
Full Benefit Details
1 Unit: £11/mo
Core Cover: Monthly Premium: £11
Major broken bone (arm, ankle, back, hip, leg, neck, pelvis, wrist, skull)
£1,000
Minor broken bone (facial bones, ear bones, other)
£250
UK hospital stay (per 24-hour period)
£50 / 24hrs
Accidental death
£40,000
Total permanent disablement
£50,000
Non-accidental death (Year 2+)
£1,000
Non-accidental death (Year 5+)
£2,000
After your policy has been held for 12 months, the UK hospital stay benefit also pays out for hospitalisation due to illness, including pre-existing conditions, not only accidental injury.
Accidental Permanent Injuries
Paralysis of limbs: total and irreversible
£25,000
Blindness in both eyes: permanent
£20,000
Loss of both hands or both feet
£20,000
Deafness in both ears: permanent
£7,500
Loss of use of major joint (elbow, hip, shoulder, knee, ankle, wrist)
£7,500
Loss of one hand or foot
£7,500
Loss of thumb
£7,500
Third-degree burns covering 20%+ of body
£7,500
Loss of major organ
£7,500
Blindness in one eye: permanent
£7,500
Loss of speech: permanent
£7,500
Deafness in one ear: permanent
£2,500
Loss of finger (not thumb) or toe
£2,500
Benefit amounts for Core Cover are reduced by 50% from the policyholder's 70th birthday. The maximum payable for any single insured event is £50,000 per unit of cover.
Child Cover
£2 / month
Provides a wide range of benefits to support you through difficult times involving your children: from birth until their 23rd birthday. Children do not need to live with the policyholder.
Broken Bones
Major broken bone (arm, ankle, back, hip, leg, neck, pelvis, shoulder, wrist, skull)
£250
Minor broken bone (facial, ear bones and other)
£50
Hospitalisation (per 24-hour period)
UK hospital stay due to accident, sickness or self-inflicted injury
£20 / 24hrs
Sickness and self-inflicted injury covered once Child Cover has been held for at least 12 months.
Accidental Permanent Injuries
Paralysis of limbs: total and irreversible
£5,000
Blindness in both eyes: permanent
£4,000
Loss of both hands or both feet
£4,000
Deafness in both ears: permanent
£2,000
Loss of one hand or foot
£2,000
Loss of use of major joint (elbow, hip, shoulder, knee, ankle, wrist)
£2,000
Loss of thumb
£1,000
Deafness in one ear: permanent
£1,000
Loss of major organ
£1,000
Blindness in one eye: permanent
£1,000
Loss of speech: permanent
£1,000
Burns referred to specialist unit (5%+ body surface area)
£1,000
Loss of finger (not thumb) or toe
£250
Critical Events
Cancer diagnosis (as defined in Policy Terms & Conditions)
£5,000
Total permanent disablement: unable to look after themselves ever again
£5,000
Accidental death
£4,000
Maximum payable per single insured event is £5,000 per unit of cover. Non-accidental death is not included under Child Cover.
Active Lifestyle Cover
£2 / month
Provides additional cover if you sustain an accidental injury resulting in a dislocation, tendon rupture or ligament tear. Designed to support active and sporty lifestyles. Children are not covered under this option.
Covered Injuries & Benefits
Dislocation (excluding fingers, thumbs and toes)
£1,000
Ligament tear: complete grade 3 (knee or ankle joint)
£1,000
Ligament tear: partial grade 2 (knee or ankle joint)
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In each policy year, cover can pay for one dislocation and/or one tendon rupture or ligament tear.
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Dislocations must undergo a radiological scan and surgical intervention under anaesthetic to be covered.
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If a partial (grade 2) tear has already been paid for, any subsequent complete (grade 3) tear in the same policy year will be paid at the grade 2 rate.
→
Benefit is reduced by 50% from the policyholder's 70th birthday.
Why Baker Hudson Health?
Independent & Regulated
FCA authorised. We work for you, not the insurers: impartial advice with no exceptions.
We Explain the Small Print
No hidden clauses, no jargon. We walk you through your policy in plain English until every question is answered.
Built on Trust & Honesty
Baker Hudson Health was founded on solid relationships. We do all the work on your behalf: your interests always come first.
Protect Against the Unexpected
EverydayProtect from MetLife: from just £11/month.
